Compare North Liberty, IA Car Insurance Rates [2024]
Car insurance in North Liberty, IA averages $228 a month. North Liberty, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap North Liberty car insurance rates, compare quotes from the top car insurance companies in North Liberty, IA.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in North Liberty, IA are $2,735/year
- The cheapest car insurance company in North Liberty is USAA
- Average car insurance rates in North Liberty, IA after a DUI are $3,301/year
If you need to buy North Liberty, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in North Liberty, IA is right here.
You’ll find North Liberty car insurance rates, the cheapest North Liberty, IA car insurance companies, and information on Iowa car insurance laws. You can also compare North Liberty, Iowa car insurance rates to Ames car insurance rates, Des Moines car insurance rates, and Council Bluffs car insurance rates.
Ready to find affordable North Liberty, IA car insurance today? Enter your ZIP code for fast, free North Liberty car insurance quotes.
Cheapest North Liberty, IA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect North Liberty, IA car insurance rates? Every North Liberty, Iowa car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $1,767 | $1,697 | $1,575 | $1,602 | $5,095 | $5,736 | $1,919 | $1,972 |
| American Family | $1,857 | $1,857 | $1,663 | $1,663 | $4,974 | $6,962 | $1,857 | $2,235 |
| Farmers | $1,448 | $1,476 | $1,298 | $1,418 | $4,354 | $4,641 | $1,958 | $2,091 |
| Geico | $1,893 | $1,693 | $1,696 | $1,552 | $4,278 | $3,972 | $1,787 | $1,651 |
| Liberty Mutual | $1,824 | $1,976 | $1,612 | $1,956 | $9,039 | $10,168 | $2,065 | $2,273 |
| Nationwide | $1,687 | $1,726 | $1,507 | $1,601 | $3,990 | $5,129 | $1,922 | $2,082 |
| Progressive | $1,480 | $1,412 | $1,225 | $1,270 | $3,871 | $4,359 | $1,780 | $1,932 |
| State Farm | $1,299 | $1,299 | $1,155 | $1,155 | $3,734 | $4,706 | $1,465 | $1,682 |
| Travelers | $2,241 | $2,285 | $2,191 | $2,193 | $10,069 | $15,970 | $2,341 | $2,749 |
| USAA | $1,056 | $1,060 | $978 | $986 | $2,924 | $3,082 | $1,256 | $1,379 |
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Minimum Car Insurance in North Liberty, IA
Every driver must carry the minimum car insurance in North Liberty, IA. Take a look at the Iowa car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
Cheapest North Liberty, IA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in North Liberty, IA. Compare credit history car insurance rates in North Liberty from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,189 | $2,538 | $2,285 |
| American Family | $3,676 | $2,702 | $2,273 |
| Farmers | $2,682 | $2,221 | $2,104 |
| Geico | $2,783 | $2,315 | $1,848 |
| Liberty Mutual | $5,495 | $3,412 | $2,686 |
| Nationwide | $2,975 | $2,343 | $2,048 |
| Progressive | $2,538 | $2,074 | $1,887 |
| State Farm | $2,936 | $1,817 | $1,433 |
| Travelers | $5,622 | $4,809 | $4,584 |
| USAA | $2,079 | $1,440 | $1,251 |
Cheapest North Liberty, IA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in North Liberty, IA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,272 | $2,746 | $3,125 | $2,539 |
| American Family | $2,081 | $3,054 | $3,953 | $2,446 |
| Farmers | $1,989 | $2,468 | $2,507 | $2,378 |
| Geico | $1,756 | $2,451 | $3,170 | $1,884 |
| Liberty Mutual | $3,337 | $4,134 | $4,205 | $3,781 |
| Nationwide | $1,790 | $2,553 | $3,462 | $2,019 |
| Progressive | $1,735 | $2,877 | $1,885 | $2,169 |
| State Farm | $1,894 | $2,229 | $2,062 | $2,062 |
| Travelers | $3,639 | $4,872 | $6,521 | $4,989 |
| USAA | $1,212 | $1,634 | $2,121 | $1,394 |
Cheapest North Liberty, IA Car Insurance for Teen Drivers
Teen car insurance in North Liberty, IA can be expensive. Take a look at rates from the top car insurance companies in North Liberty for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $5,095 | $5,736 |
| American Family | $4,974 | $6,962 |
| Farmers | $4,354 | $4,641 |
| Geico | $4,278 | $3,972 |
| Liberty Mutual | $9,039 | $10,168 |
| Nationwide | $3,990 | $5,129 |
| Progressive | $3,871 | $4,359 |
| State Farm | $3,734 | $4,706 |
| Travelers | $10,069 | $15,970 |
| USAA | $2,924 | $3,082 |
Cheapest North Liberty, IA Car Insurance for Seniors
Take a look at North Liberty, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,575 | $1,602 |
| American Family | $1,663 | $1,663 |
| Farmers | $1,298 | $1,418 |
| Geico | $1,696 | $1,552 |
| Liberty Mutual | $1,612 | $1,956 |
| Nationwide | $1,507 | $1,601 |
| Progressive | $1,225 | $1,270 |
| State Farm | $1,155 | $1,155 |
| Travelers | $2,191 | $2,193 |
| USAA | $978 | $986 |
Cheapest North Liberty, IA Car Insurance Rates After a DUI
A DUI in North Liberty, IA increases car insurance rates. Compare North Liberty, Iowa DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,125 |
| American Family | $3,953 |
| Farmers | $2,507 |
| Geico | $3,170 |
| Liberty Mutual | $4,205 |
| Nationwide | $3,462 |
| Progressive | $1,885 |
| State Farm | $2,062 |
| Travelers | $6,521 |
| USAA | $2,121 |
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Cheapest North Liberty, IA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in North Liberty, IA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $2,608 | $2,733 |
| American Family | $2,850 | $2,917 |
| Farmers | $2,336 | $2,336 |
| Geico | $2,269 | $2,362 |
| Liberty Mutual | $3,864 | $3,864 |
| Nationwide | $2,456 | $2,456 |
| Progressive | $2,166 | $2,166 |
| State Farm | $2,012 | $2,112 |
| Travelers | $5,005 | $5,005 |
| USAA | $1,533 | $1,648 |
The Best Cheap Car Insurance Companies in North Liberty, IA
Take a look at a side-by-side comparison of the top car insurance companies in North Liberty, IA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $2,670 |
| American Family | $2,883 |
| Farmers | $2,336 |
| Geico | $2,315 |
| Liberty Mutual | $3,864 |
| Nationwide | $2,456 |
| Progressive | $2,166 |
| State Farm | $2,062 |
| Travelers | $5,005 |
| USAA | $1,590 |
Category Winners: Cheapest Car Insurance in North Liberty, Iowa
Find the cheapest car insurance companies in North Liberty, IA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
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Cheapest North Liberty, IA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your North Liberty car insurance rates. Find the cheapest North Liberty, IA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $2,574 | $2,673 | $2,764 |
| American Family | $2,893 | $3,044 | $2,714 |
| Farmers | $2,233 | $2,343 | $2,431 |
| Geico | $2,192 | $2,316 | $2,437 |
| Liberty Mutual | $3,702 | $3,858 | $4,032 |
| Nationwide | $2,552 | $2,448 | $2,367 |
| Progressive | $2,032 | $2,175 | $2,291 |
| State Farm | $1,949 | $2,075 | $2,161 |
| Travelers | $4,737 | $5,078 | $5,200 |
| USAA | $1,500 | $1,596 | $1,675 |
What affects car insurance rates in North Liberty, Iowa?
What factors can have an impact on North Liberty, IA car insurance? There are several reasons why North Liberty car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in North Liberty, Iowa.
Commute Time in North Liberty
The more time you spend in your car the higher the risk of an accident. The average commute length in North Liberty, IA is 24.3 minutes according to City-Data.
Compare Car Insurance Quotes in North Liberty, IA
Ready to find affordable North Liberty, Iowa car insurance today? Enter your ZIP code for fast, free North Liberty, IA car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
What factors affect car insurance rates in North Liberty, IA?
Several factors can impact car insurance rates in North Liberty, IA. These factors include your age, driving record, the type of car you drive, your credit score, the coverage limits you choose, and the deductible amount.
How can I find the best car insurance rates in North Liberty, IA?
To find the best car insurance rates in North Liberty, IA, it’s advisable to obtain quotes from multiple insurance providers and compare them. You can reach out to different insurance companies, use online comparison tools, or consult with an independent insurance agent.
Are there any specific discounts available for car insurance in North Liberty, IA?
Yes, many insurance companies offer various discounts in North Liberty, IA. Common discounts include good driver discounts, multi-policy discounts (if you have multiple policies with the same insurer), discounts for having safety features in your vehicle, and discounts for completing defensive driving courses.
Are car insurance rates higher for young drivers in North Liberty, IA?
Generally, car insurance rates tend to be higher for young and inexperienced drivers in North Liberty, IA. Young drivers are considered higher-risk due to their limited driving experience. However, some insurance companies offer discounts for students with good grades or for completing driver’s education programs.
Are there any cons to consider when comparing car insurance rates in North Liberty, IA?
While comparing car insurance rates in North Liberty, IA, some potential cons to keep in mind are:
- Rates can vary significantly between insurance providers.
- The cheapest rate may not always provide the best coverage.
- Certain discounts may not be available with all insurance companies.
- Some insurance providers may have stricter underwriting criteria or less favorable claims processes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.